Own your tuk‑tuk or motorbike. Interest‑free, fast, and fair.
Empowering local people and communities to own income‑generating vehicles with zero interest, no hidden fees, and local support.
Supporting your growth every step of the way
We help people and communities own income‑generating vehicles—interest‑free, with no hidden fees, fast approvals, and local support. From application to ownership (and every challenge in between), we’re with you—clear guidance, friendly reminders, and flexible help so you can keep earning and growing.
Interest Free Financing:
We grow with you - not off you.
Empowerment & Changing Lives
Every financed asset should uplift a person, a family, a community.
Customer-Focused Support:
Clear processes, real support, no jargon.
Everyone Deserves Mobility
Ownership shouldn’t be a privilege; it’s a pathway to income and dignity.
How it works
Step 1: Apply in Minutes
Share a few details and your required documents online or at a dealer.
Step 2: Get Approved Fast
We review, guide, and confirm a plan that fits your income.
Pay Minimum Deposit
Secure your vehicle and sign the agreement.
Ride & Repay Easily
Pick up your vehicle and make manageable instalments until it’s fully yours.
Vehicles We Finance
We finance only Baxy Passenger and Champion Cargo. Quality‑checked, reliable, and durable, built to last so breakdowns don’t cut into your income.
Baxy Express
Strong, durable, and designed to last - own the Baxy Express Passenger tuk‑tuk and start earning today. Rigorously quality‑checked and built for Kenya’s roads.
Champion CH300-C
Built for heavy loads and daily deliveries. Ideal for small businesses and hustlers who move goods across town.
Motorbike (Boda) – Financing
Coming Soon
We’re rolling out 0% interest motorbike finance next. Join the waitlist to be first in line.
Baxy Lion – Electric Passenger Tuk‑Tuk (Coming Soon)
Strong, efficient, and future‑ready. Meet the Baxy Lion electric tuk‑tuk. Join the waitlist to be first in line.
Here's what others are saying MRL Finance
Our customers love how easy it is to get on the road and keep earning with MRL Finance
Samuel Mwangi
I paid the deposit on Monday and was on the road by Wednesday. Now my Baxy Passenger feeds my family and I don’t worry about interest piling up.
Abdallah Hassan
MRL Finance treated me with respect. They explained every step clearly, and today I own my tuk‑tuk outright. Honest people, fair terms
Mercy Wanjiru
MRL Finance helped me get my first boda. Now I employ two riders and support my family.
Still got questions?
Here's the answers to some of your burning questions...
Who qualifies for 0% interest financing?
Anyone 18+ with the required documents, a verifiable income source, and ability to pay the minimum deposit. We assess each application fairly.
Why interest‑free?
Our model is guided by Islamic principles (no riba/interest) and a commitment to fairness, transparency, and community empowerment. You repay the asset cost—no interest, no hidden charges.
What happens if I pay early?
We don’t penalise early payment—we reward it. You’ll earn points you can use towards spare parts or a future vehicle, unlike other financiers who charge APR-based penalties.
Which vehicles do you currently finance?
Baxy Passenger and Champion Cargo only—both are rigorously quality‑checked, reliable, and durable. Motorbike (boda) and electric mobility financing are coming soon.
What documents do I need to apply?
- National ID/Passport
- KRA PIN
- 6‑month M‑Pesa or bank statement
- Proof of address (e.g., utility bill/tenancy agreement)
- Guarantor details (ID, KRA, contacts)
How much is the minimum deposit?
It depends on the vehicle and your assessment. We’ll confirm the exact amount in your approval offer.
How long does approval take?
Typically 24–48 hours after you’ve submitted all required documents.
What happens if I miss a payment?
Talk to us early—we’ll work with you to find a realistic plan. Repossession is a last resort; our goal is to keep you earning and on the road.
